pjohns, I agree with everything in your post except the idea of setting up a checking account withdrawal with my credit card issuer. The last people in the world I would trust to have access to withdraw from my checking account would be credit card companies. Just don't trust them at all.

Anyway, part of the "freeloading" benefit is being able to time purchases (and payments) around credit card account closing dates so one gets maximum float time for their money. I try to time purchases a day or two after closing so I get to borrow their money for about 6 weeks. We've got three cards with staggered closing dates, so it's just a matter of choosing the appropriate card according to what day of the month it is.

Also, I have also received Titanium offers. I'm waiting for someone to send me offers for the Kryptonite Visa.

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